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Frequently Asked Questions

We help you stay ahead and informed with these helpful answers on protecting yourself, your home, business and more.

What happens if I under-insure/over-insure my vehicle?

If your vehicle is under-insured, you will be considered self-insured for the difference. For example, if your vehicle has been lost or damaged, you will only be partially compensated up to the Sum Insured you have chosen.

If you have over-insured your vehicle, you would have paid a higher but unnecessary premium. If your vehicle is over-insured when it was stolen and not found, we will settle your claim to cover the loss incurred up to the market value of your vehicle. 

Recent FAQ

What is Credit Shortfall Private Car Insurance?

Our Credit Shortfall Insurance covers the difference between your insured sum or the market value of your car and your...

Can I save my quote and pay later?

Yes, there is an option to save your quote and pay later...

What type of policy do I need to join PrOrewards?

You only need to own a P&O motor insurance policy to join this program. This means any Private Car or...